1. Affordable Choice – This product is our most popular limited medical product. It is underwritten but great for people who want to supplement their medical or don’t have medical insurance. This product has limited decline,
ENHANCED BENEFITS AND FEATURES
- No Deductibles or Coinsurance
- Hospital Admission Benefit
- Cancer Benefit Included
- First Dollar Doctor Visits
- Dr. Office Visit Rollovers
- Prescription Benefit
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2. First Choice – Blue Ribbon – The benefits are not as robust as the Affordable Choice, but the underwriting is much more liberal this product is almost Guaranteed Issue. (except for a couple of conditions and height/weight.)
At no time in history have more Americans had health insurance, but even good true group or individual ACA plans have exposure, in the form of deductibles and coinsurance (the many thousands of dollars of claims after the deductible that are “shared” by the plan and the insured.)
By law, this exposure can exceed $8,000 each for up to two (2) members of the insured household Each Year!
FirstChoice Blue Ribbon Series provides coverage for these specific needs. The FirstChoice in Defined Health Insurance Benefits Designed for individuals who have coverage at work or through “the exchange” but want to protect themselves from the high exposure of a hospital claim.
Plan 1 – Designed for individuals who have coverage at work or through “the exchange” but want to protect themselves from the high exposure of a hospital claim.
Plan 2 – Tailored to those with a higher deductible ($3,000 or more) from their group coverage at work, their individual “exchange” ACA plan, or for those with a Faith Based Ministry program who would feel more comfortable with an underlying level of strong “guaranteed renewable” benefits. This strategy can also be used in conjunction with a high deductible Short Term Major Medical.
Plan 3 – Designed for those individuals (or families) who do not wish to participate in the Federal ACA insurance plans for any reason, but who do want high levels of “guaranteed renewable” benefits.
Plan 4 – Designed for those individuals (or families) who want the highest levels of “guaranteed renewable” benefits along with an Outpatient Diagnosis Procedure benefit that is only included in Plan #4.
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Click Here to enroll.
3. Out of Pocket (GAP) – With today’s rising cost of medical care and health insurance premiums, many individuals and groups have selected higher deductibles, fewer co-pays and more out-of-pocket costs. This has been done to make health insurance premiums more affordable.*
But out-of-pocket costs may still cause unnecessary burdens on many individuals.
What’s the solution?
THE NEW OUT-OF-POCKET PROTECTION PLAN!
- Pays directly to you, unless you assign your benefits to your provider(s).
- Your choice of benefits and premiums.
- Pays in addition to all other insurance.
- No deductibles.
- No networks.
*National Center Biotechnology information.
Click Here for a brochure.
Click Here to enroll.